{"id":22344,"date":"2025-03-07T00:57:08","date_gmt":"2025-03-06T22:57:08","guid":{"rendered":"https:\/\/staging.moneyhub.ee\/useful-info\/raksti\/online-fraud\/"},"modified":"2025-10-03T04:13:32","modified_gmt":"2025-10-03T02:13:32","slug":"tiessaiste-krapsana","status":"publish","type":"post","link":"https:\/\/staging.moneyhub.ee\/lv\/useful-info\/raksti\/tiessaiste-krapsana\/","title":{"rendered":"T\u012bmek\u013ca kr\u0101p\u0161ana: k\u0101 es varu sevi aizsarg\u0101t?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"22344\" class=\"elementor elementor-22344 elementor-15684\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d7efb58 e-flex e-con-boxed e-con e-parent\" data-id=\"5d7efb58\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32d40bf6 elementor-widget elementor-widget-shortcode\" data-id=\"32d40bf6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e4750ba e-flex e-con-boxed e-con e-parent\" data-id=\"1e4750ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a047e75 ddddf e-flex e-con-boxed e-con e-child\" data-id=\"a047e75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20c9d99a elementor-widget elementor-widget-heading\" data-id=\"20c9d99a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">M\u0113s visi atrodamies dz\u012bves d\u0101rdz\u012bbas kr\u012bzes un tie\u0161saistes kr\u0101p\u0161anas un mahin\u0101ciju uzplaukuma vid\u016b. \u0160eit ir galven\u0101s lamatas, par kur\u0101m \u0161obr\u012bd j\u0101zina, un k\u0101 sevi pasarg\u0101t.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18b94166 e-flex e-con-boxed e-con e-parent\" data-id=\"18b94166\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13e8adb2 elementor-widget elementor-widget-image\" data-id=\"13e8adb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2240\" height=\"1260\" src=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud.png\" class=\"attachment-full size-full wp-image-21588\" alt=\"Hakeris vai kr\u0101pnieks ar galddatoru, kas v\u0113las k\u0101du apkr\u0101pt.\" srcset=\"https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud.png 2240w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud-300x169.png 300w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud-1024x576.png 1024w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud-768x432.png 768w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud-1536x864.png 1536w, https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud-2048x1152.png 2048w\" sizes=\"(max-width: 2240px) 100vw, 2240px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19d502c4 e-flex e-con-boxed e-con e-parent\" data-id=\"19d502c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-175f64b5 elementor-widget elementor-widget-text-editor\" data-id=\"175f64b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1><b>T\u012bmek\u013ca kr\u0101p\u0161ana: k\u0101 es varu sevi aizsarg\u0101t?<\/b><\/h1><p>Kr\u0101pnieki k\u013c\u016bst arvien izveic\u012bg\u0101ki un gr\u016bt\u0101k atkl\u0101jami. T\u0101p\u0113c ir svar\u012bg\u0101k nek\u0101 jebkad agr\u0101k zin\u0101t, k\u0101 atpaz\u012bt un aptur\u0113t kr\u0101p\u0161anu. Kr\u0101pnieki, lai apkr\u0101ptu upurus, bie\u017ei izmanto identit\u0101tes vilto\u0161anu vai maldin\u0101\u0161anu, kas rada iev\u0113rojamas finansi\u0101las zaud\u0113jumus.<\/p><p><a href=\"https:\/\/staging.moneyhub.ee\/en\/\">MoneyHub<\/a> run\u0101ja ar m\u016bsu kopienu, un t\u0101s dal\u012bbnieki dal\u012bj\u0101s ar mums sav\u0101 pieredz\u0113 par to, kam \u0161obr\u012bd j\u0101piev\u0113r\u0161 uzman\u012bba un k\u0101 sevi aizsarg\u0101t.<\/p><h2><b>K\u0101da ir at\u0161\u0137ir\u012bba starp kr\u0101p\u0161anu un viltus dar\u012bjumu?<\/b><\/h2><p>Galven\u0101 at\u0161\u0137ir\u012bba ir t\u0101, ka kr\u0101p\u0161ana var notikt ar vai bez upura l\u012bdzdal\u012bbas. Savuk\u0101rt viltus dar\u012bjums bie\u017e\u0101k ietver upura manipul\u0113\u0161anu, lai tas veiktu k\u0101du darb\u012bbu, piem\u0113ram, ieg\u0101d\u0101tos viltotas preces vai nos\u016bt\u012btu naudu uz \u201cdro\u0161u kontu\u201d.<\/p><p>Identit\u0101tes z\u0101dz\u012bba ir cita kr\u0101p\u0161anas forma, kur\u0101 upura personas inform\u0101cija tiek nozagta un izmantota bez vi\u0146a zin\u0101\u0161anas.<\/p><p>Parasti kr\u0101p\u0161anas gad\u012bjum\u0101 upuri piln\u012bgi neapzin\u0101s, ka ir kr\u0101pti, l\u012bdz br\u012bdim, kad vi\u0146u karte vairs nedarbojas vai vi\u0146i paman\u012bju\u0161i neparastu debetu no sava konta.<\/p><p>Apkr\u0101p\u0161ana ietver upura iesaist\u012b\u0161anu viltus zv\u0101n\u0101 no vi\u0146a bankas, invest\u012bciju iesp\u0113ju vai pre\u010du pirk\u0161anu no kr\u0101pnieciska vai viltus p\u0101rdev\u0113ja. Upuris ir vair\u0101k iesaist\u012bts apkr\u0101p\u0161an\u0101, jo noziedznieki dar\u012bs visu iesp\u0113jamo, lai upuris pats veiktu dar\u012bjumu.<\/p><h2><b>K\u0101p\u0113c p\u0113d\u0113jo p\u0101ris gadu laik\u0101 kr\u0101p\u0161anas gad\u012bjumi ir tik \u013coti pieaugu\u0161i?<\/b><\/h2><p>Kr\u0101pnieki koncentr\u0113jas uz notikumiem, kas notiek vis\u0101 pasaul\u0113. Ar\u012b pik\u0161\u0137er\u0113\u0161anas uzbrukumi, kad kr\u0101pnieki s\u016bta viltotus e-pastus vai zi\u0146ojumus, lai maldin\u0101tu upurus un pan\u0101ktu, ka tie atkl\u0101j personisko inform\u0101ciju, ir k\u013cuvu\u0161i izplat\u012bt\u0101ki. Pand\u0113mijas un dz\u012bves d\u0101rdz\u012bbas kr\u012bzes laik\u0101 kr\u0101p\u0161anas gad\u012bjumi strauji pieauga.<\/p><p>Visvair\u0101k pieaugusi kr\u0101p\u0161ana un kibernoziedz\u012bba.<\/p><p>2023. gad\u0101 Igaunij\u0101 tika re\u0123istr\u0113ti <a href=\"https:\/\/news.err.ee\/1609522354\/crime-in-estonia-rises-4-on-year-fraud-up-25\" target=\"_blank\" rel=\"noopener\">3223 kr\u0101p\u0161anas un kiberkr\u0101p\u0161anas gad\u012bjumi<\/a>, aptuveni 2100 no tiem tika izdar\u012bti, izmantojot datorus, un 25 % gad\u012bjumu bija saist\u012bti ar kr\u0101pniecisk\u0101m zvanu vai zi\u0146ojumu s\u016bt\u012b\u0161anu. Kr\u0101p\u0161anas gad\u012bjumi arvien vair\u0101k p\u0101riet uz elektroniskajiem kan\u0101liem, bet tradicion\u0101l\u0101s metodes, piem\u0113ram, pap\u012bra dokumentu vilto\u0161ana, ir samazin\u0101ju\u0161\u0101s.<\/p><p>Turkl\u0101t PPA pau\u017e ba\u017eas par to, ka kr\u0101pnieki p\u0101rliecina upurus nodot naudu vai izmantot s\u016bt\u012bjumu autom\u0101tus, un 2024. gad\u0101 pieaugs<a href=\"https:\/\/news.err.ee\/1609568245\/phone-fraud-surges-in-estonia-experts-urge-caution-and-critical-thinking\" target=\"_blank\" rel=\"noopener\"> naudas kr\u0101p\u0161anas gad\u012bjumu skaits<\/a> \u2013 pag\u0101ju\u0161\u0101 gada p\u0113d\u0113j\u0101 m\u0113nes\u012b kr\u0101pnieki bija apkr\u0101pu\u0161i Igaunijas pilso\u0146us un iedz\u012bvot\u0101jus par kop\u0113jo summu 7,2 miljoni eiro.<\/p><h2><b>K\u0101di ir galvenie kr\u0101p\u0161anas veidi, par kuriem cilv\u0113kiem j\u0101zina?<\/b><\/h2><h3><b>Identit\u0101tes vilto\u0161ana<\/b><\/h3><p>Tas ir viens no visbie\u017e\u0101k sastopamajiem kr\u0101p\u0161anas veidiem. Tas notiek, kad kr\u0101pnieki s\u016bta e-pastus un zi\u0146ojumus, izliekoties par uzticam\u0101m iest\u0101d\u0113m un paz\u012bstamiem z\u012bmoliem, izmantojot cilv\u0113ku uztic\u0113\u0161anos. Spoofing ir izplat\u012bta metode, ko izmanto identit\u0101tes vilto\u0161an\u0101, kur kr\u0101pnieki padara savus e-pastus un zi\u0146ojumus t\u0101, it k\u0101 tie b\u016btu no uzticam\u0101m iest\u0101d\u0113m.<\/p><p>Finan\u0161u pakalpojumu z\u012bmoli tiek izmantoti identit\u0101tes viltojumos, jo noziedznieki var izmantot cilv\u0113ku dabisko ba\u017eas par savu naudu. Tom\u0113r ir biju\u0161i ar\u012b kr\u0101p\u0161anas gad\u012bjumi, kas saist\u012bti ar bank\u0101m, EMTA, s\u016bt\u012bjumu pieg\u0101des uz\u0146\u0113mumiem, soci\u0101lo t\u012bklu uz\u0146\u0113mumiem un cit\u0101m paz\u012bstam\u0101m organiz\u0101cij\u0101m. Parasti e-pasta v\u0113stules satur saiti uz viltotu pieteik\u0161an\u0101s lapu un l\u016bdz ievad\u012bt savu lietot\u0101jv\u0101rdu un paroli. Noziedznieki izmanto \u0161o inform\u0101ciju, lai nozagtu inform\u0101ciju vai m\u0113\u0123in\u0101tu izmantot to pa\u0161u paroli, lai piek\u013c\u016btu cit\u0101m liet\u0101m, piem\u0113ram, j\u016bsu bankas kontam (t\u0101p\u0113c nekad nevajadz\u0113tu atk\u0101rtoti izmantot paroles!).<\/p><h3><b>\u201eDro\u0161a konta\u201d kr\u0101p\u0161anas<\/b><\/h3><p>Noziedznieks sazin\u0101s ar jums, izliekoties par ties\u012bbaizsardz\u012bbas iest\u0101des (policijas vai valsts noziedz\u012bbas apkaro\u0161anas a\u0123ent\u016bras) vai j\u016bsu bankas darbinieku, un pazi\u0146o, ka veic izmekl\u0113\u0161anu un l\u016bdz jums p\u0101rskait\u012bt naudu uz vi\u0146u kontrol\u0113tu kontu. Vishing jeb balss phishing ir metode, ko izmanto \u0161\u0101d\u0101s kr\u0101pniecisk\u0101s darb\u012bb\u0101s, kur\u0101s kr\u0101pnieki izmanto t\u0101lru\u0146a zvanus, lai maldin\u0101tu upurus un pan\u0101ktu naudas p\u0101rskait\u012b\u0161anu. Parasti tas ir \u201edro\u0161s\u201d vai \u201ejauns\u201d konts, un vi\u0146i jums sniedz jauna konta datus, kas bie\u017ei vien atrodas cit\u0101 bank\u0101.<\/p><h3><b>Vienreiz\u0113j\u0101s paroles kr\u0101pnieciskas darb\u012bbas<\/b><\/h3><p>Vienreiz\u0113j\u0101s paroles apstiprina j\u016bsu identit\u0101ti vai apstiprina \u012bstu dar\u012bjumu, ko j\u016bs m\u0113\u0123in\u0101t veikt. T\u0101s ir ciparu kodi, kurus var izmantot tikai vienu reizi. Kr\u0101pnieki bie\u017ei zvan\u012bta klientiem, izliekoties par banku, piem\u0113ram, Swedbank un LHV, darbiniekiem, un st\u0101sta, ka ir probl\u0113ma ar vi\u0146u kontu un ka vi\u0146iem ir steidzami j\u0101pazi\u0146o \u0161is kods. Pazi\u0146ojot \u0161o kodu, j\u016bs var\u0113tu dot kr\u0101pniekiem piek\u013cuvi savai naudai vai kontam.<\/p><h3><b>Ieguld\u012bjumu kr\u0101p\u0161ana<\/b><\/h3><p>To parasti dara, izmantojot klon\u0113tus t\u012bmek\u013ca vietnes, kuras ir gr\u016bti atkl\u0101t un kuras ir identiskas \u012bstaj\u0101m vietn\u0113m. Ponzi sh\u0113mas ir izplat\u012bts invest\u012bciju kr\u0101p\u0161anas veids, kur\u0101 iepriek\u0161\u0113jiem investoriem tiek izmaks\u0101ti ien\u0101kumi, izmantojot jauno investoru kapit\u0101lu. Ar\u012b kriptoval\u016btas ir \u013coti popul\u0101ras. T\u0101s nav regul\u0113ti invest\u012bciju produkti (pat likum\u012bgos apst\u0101k\u013cos) un ir p\u0101rpludin\u0101tas ar negod\u012bgiem tirgot\u0101jiem un viltus kriptoval\u016btu bir\u017e\u0101m.<\/p><p>Svar\u012bgs padoms: pirms jebk\u0101das darb\u012bbas veik\u0161anas vienm\u0113r p\u0101rbaudiet, vai uz\u0146\u0113mums vai persona, ar kuru j\u016bs dar\u012bjaties, ir licenc\u0113ta un regul\u0113ta Igaunijas Finan\u0161u inspekcijas. Finan\u0161u inspekcija ir izveidojusi<a href=\"https:\/\/www.fi.ee\/en\/banking-and-credit\/credit-institutions\" target=\"_blank\" rel=\"noopener\"> uz\u0146\u0113mumu sarakstu, kurus t\u0101 regul\u0113, \u0161eit.<\/a><\/p><h3><b>Romantiskas kr\u0101p\u0161anas<\/b><\/h3><p>Cilv\u0113ki uzs\u0101k kr\u0101pnieciskas attiec\u012bbas ar citiem cilv\u0113kiem, izmantojot iepaz\u012b\u0161an\u0101s vietnes, Facebook, LinkedIn un pat da\u017eas tie\u0161saistes skrabla sp\u0113les. Catfishing ir metode, ko izmanto romantisk\u0101s kr\u0101p\u0161an\u0101s, kur kr\u0101pnieki izveido viltus identit\u0101tes, lai veidotu attiec\u012bbas ar upuriem. Vi\u0146i vair\u0101kas ned\u0113\u013cas vai pat m\u0113ne\u0161us veido uztic\u012bbu, un tad s\u0101k l\u016bgt naudu. Ja esat skat\u012bju\u0161ies filmu \u201eTinder Swindler\u201d, tad tas ir lielisks romantiskas kr\u0101p\u0161anas piem\u0113rs!<\/p><h3><b>Pirkumu kr\u0101p\u0161anas<\/b><\/h3><p>Rekl\u0101m\u0113 preces vai pakalpojumus, kas nepast\u0101v, un kr\u0101pnieks l\u016bdz veikt tie\u0161os bankas p\u0101rskait\u012bjumus, izmantojot \u0101tr\u0101s maks\u0101jumu sist\u0113mas, lai nodro\u0161in\u0101tu pre\u010du pieg\u0101di. Viltus t\u012bmek\u013ca vietnes bie\u017ei izmanto pirkumu kr\u0101p\u0161an\u0101s, lai maldin\u0101tu upurus un pan\u0101ktu, ka tie p\u0113rk preces vai pakalpojumus, kas nepast\u0101v. Tas var b\u016bt viss, s\u0101kot no kuc\u0113niem l\u012bdz automa\u0161\u012bn\u0101m, br\u012bvdien\u0101m, koncertu vai sporta pas\u0101kumu bi\u013cet\u0113m un pat avansa maks\u0101jumiem par \u012bres \u012bpa\u0161umiem. Kr\u0101pnieki izmanto platformas, piem\u0113<\/p><h2><b>K\u0101 es varu atpaz\u012bt kr\u0101p\u0161anu un izvair\u012bties no t\u0101s?<\/b><\/h2><p>Ir svar\u012bgi saprast, ka viss, un m\u0113s dom\u0101jam tie\u0161\u0101m viss, var b\u016bt viltots. Vai tas b\u016btu t\u012bmek\u013ca vietnes, \u012bszi\u0146as, t\u0101lru\u0146a numuri, tie\u0161saistes rekl\u0101mas vai soci\u0101lo t\u012bklu profili, noziedzniekiem ir r\u012bki, lai padar\u012btu savus viltojumus profesion\u0101lus. Kr\u0101pnieki bie\u017ei izmanto \u013caunprogrammat\u016bras vai \u013caunpr\u0101t\u012bgas programmat\u016bras, lai ieg\u016btu piek\u013cuvi upuru inform\u0101cijai, un t\u0101s ir j\u0101izvair\u0101s, neklik\u0161\u0137inot uz aizdom\u012bgiem saitiem. Lab\u0101kais veids, k\u0101 izvair\u012bties no nepatik\u0161an\u0101m jau s\u0101kum\u0101, ir izveidot labas dro\u0161\u012bbas ieradumus, lai saglab\u0101tu savu inform\u0101ciju dro\u0161\u012bb\u0101:<\/p><ol><li>Divreiz padom\u0101jiet par jebkuru negaid\u012btu zi\u0146ojumu vai zvanu, it \u012bpa\u0161i, ja taj\u0101 ir satrauco\u0161as apgalvojumi un tiek l\u016bgts veikt steidzamas darb\u012bbas.<\/li><li>Neizj\u016btieties apmulsu\u0161i, ja j\u016btaties p\u0101rliecin\u0101ti. Noziedznieki zina, ka, piem\u0113ram, apgalvojot, ka k\u0101ds z\u0101dzina no j\u016bsu bankas konta, tas izrais\u012bs paniku, un tad cilv\u0113ki ir vair\u0101k pak\u013cauti ietekmei.<\/li><li>Neklik\u0161\u0137iniet uz saiti e-past\u0101 vai \u012bszi\u0146\u0101, ja neesat p\u0101rliecin\u0101ts, ka t\u0101 ir \u012bsta. Liel\u0101k\u0101 da\u013ca \u012bstu uz\u0146\u0113mumu e-pastos nekad neiek\u013cauj saites uz lap\u0101m, kur\u0101s tiek piepras\u012btas paroles vai konta dati. Ja jums ir j\u0101piesak\u0101s kont\u0101, visp\u0101r\u0113js labas prakses princips ir doties uz vietni no mekl\u0113t\u0101jprogrammas.<\/li><\/ol><h2><b>K\u0101di ir da\u017ei no gudr\u0101kajiem kr\u0101p\u0161anas veidiem, ko esam redz\u0113ju\u0161i p\u0113d\u0113j\u0101 laik\u0101?<\/b><\/h2><h3><b>Bankas identit\u0101tes vilto\u0161ana<\/b><\/h3><p>Kr\u0101pnieki zina, ka var izrais\u012bt paniku un bailes, ja jums piezvana, izliekoties par j\u016bsu bankas darbiniekiem un sakot, ka ir probl\u0113mas ar j\u016bsu kontu. Kontu p\u0101r\u0146em\u0161ana ir tipisks bankas identit\u0101tes vilto\u0161anas kr\u0101p\u0161anas rezult\u0101ts, kad kr\u0101pnieki ieg\u016bst kontroli p\u0101r upura bankas kontu.<\/p><p>Diem\u017e\u0113l upuri nepie\u0146em racion\u0101lus l\u0113mumus un neap\u0161auba to, ko no vi\u0146iem prasa, jo \u012bpa\u0161i, ja dom\u0101, ka var zaud\u0113t naudu. Mums ir rakstur\u012bgi uztic\u0113ties, t\u0101p\u0113c upuri izpilda pras\u012bbas, ne\u0146emot v\u0113r\u0101 laiku, lai p\u0101rbaud\u012btu, vai zvan\u012bt\u0101js patie\u0161\u0101m ir no bankas.<\/p><p>Kr\u0101pnieki var izklaus\u012bties \u013coti p\u0101rliecino\u0161i, t\u0101p\u0113c tos var b\u016bt gr\u016bti atpaz\u012bt.<\/p><h3><b>Daudzpak\u0101pju kr\u0101p\u0161anas<\/b><\/h3><p>Noziedznieki izmanto ieg\u016bto personisko inform\u0101ciju un var savienot kr\u0101p\u0161anas, lai vair\u0101kas reizes apkr\u0101ptu vienu un to pa\u0161u upuri. Datu p\u0101rk\u0101pumi bie\u017ei nodro\u0161ina personisko inform\u0101ciju, ko izmanto daudzpak\u0101pju kr\u0101p\u0161an\u0101s, atvieglojot kr\u0101pniekiem upuru m\u0113r\u0137\u0113\u0161anu.<\/p><p>Piem\u0113ram, s\u016bt\u012bjumu pieg\u0101des \u012bszi\u0146u kr\u0101p\u0161anas ir izplat\u012btas kr\u0101p\u0161anas, kur\u0101s tiek piepras\u012bta neliela summa, lai atbr\u012bvotu fikt\u012bvu s\u016bt\u012bjumu, piem\u0113ram, Omniva vai Smartpost. P\u0113c tam upuris sa\u0146em zvanu, kur\u0101 zvanu veic\u0113js izliekas par bankas vai ties\u012bbaizsardz\u012bbas iest\u0101des darbinieku un l\u016bdz p\u0101rskait\u012bt naudu uz citu banku, lai nov\u0113rstu kr\u0101p\u0161anu.<\/p><p>\u0160\u012b zvana laik\u0101 kr\u0101pnieki min upura personisko un bankas inform\u0101ciju, kas ieg\u016bta iepriek\u0161\u0113j\u0101 posm\u0101 ar s\u016bt\u012bjumu pieg\u0101des kr\u0101p\u0161anu. Zvan\u012bt\u0101js, \u0161\u0137ietami zinot visu par jums, var padar\u012bt st\u0101stu ticamu.<\/p><h3><b>Kr\u0101p\u0161anas ar tie\u0161saistes pirkumiem<\/b><\/h3><p>T\u0101s nav visgudr\u0101k\u0101s kr\u0101p\u0161anas, bet ir \u013coti viegli k\u013c\u016bt par to upuri.<\/p><p>Iepirk\u0161an\u0101s internet\u0101 ir \u0101tra un \u0113rta; da\u017ek\u0101rt, lai veiktu pirkumu, ir nepiecie\u0161ams vienk\u0101r\u0161i nospiest vienu pogu. Tom\u0113r, t\u0101 k\u0101 iepirk\u0161an\u0101s internet\u0101 ir k\u013cuvusi par ikdienas par\u0101d\u012bbu, pirms pirkuma veik\u0161anas var b\u016bt gr\u016bti apst\u0101ties un p\u0101rbaud\u012bt, vai vietne, rekl\u0101ma vai mazumtirgot\u0101js ir likum\u012bgs.<\/p><h2><b>K\u0101das ir br\u012bdin\u0101juma paz\u012bmes, uz kur\u0101m j\u0101piev\u0113r\u0161 uzman\u012bba?<\/b><\/h2><p>Piev\u0113rsiet uzman\u012bbu \u0161\u0101d\u0101m br\u012bdin\u0101juma paz\u012bm\u0113m:<\/p><ul><li><b>J\u016bs steidz dar\u012bt kaut ko.<\/b><\/li><li><b>Spiediens nos\u016bt\u012bt naudu.<\/b><\/li><li><b>Pied\u0101v\u0101jumi, kas ir p\u0101r\u0101k labi, lai b\u016btu patiesi, ar \u012bsu p\u0101rdo\u0161anas periodu vai \u201cierobe\u017eotu kr\u0101jumu\u201d.<\/b><\/li><li><b>Pazi\u0146ojums, ka j\u016bsu konts ir apdraud\u0113ts vai jums ir nodok\u013cu par\u0101ds EMTA.<\/b><\/li><li><b>Pied\u0101v\u0101jums ar garant\u0113tu augstu ien\u0101kumu no ieguld\u012bjuma.<\/b><\/li><li><b>Pazi\u0146ojums, ka j\u016bsu internets vai bankas konts ir uzlauzts vai apdraud\u0113ts.<\/b><\/li><li><b>Jums tiks l\u016bgts lejupiel\u0101d\u0113t programmat\u016bru, lai zvan\u012bt\u0101js var\u0113tu pal\u012bdz\u0113t jums ar maks\u0101jumu, atmaksu vai konta izveidi.<\/b><\/li><li><b>Jums tiek l\u016bgts nolas\u012bt kodus, kas nos\u016bt\u012bti \u012bszi\u0146\u0101.<\/b><\/li><li><b>Jums tiek sniegts pamatojums, k\u0101p\u0113c nepiev\u0113rst uzman\u012bbu j\u016bsu bankas br\u012bdin\u0101jumiem par kr\u0101p\u0161anu.<\/b><\/li><li><b>J\u016bs sa\u0146emat elektronisku zi\u0146ojumu no personiska vai biznesa kontakta, kur\u0101 tiek nor\u0101d\u012btas izmai\u0146as konta datiem un l\u016bgts veikt maks\u0101jumu.<\/b><\/li><\/ul><p>Kr\u0101p\u0161ana soci\u0101lajos t\u012bklos ir izplat\u012bts veids, k\u0101 kr\u0101pnieki sasniedz potenci\u0101los upurus, bie\u017ei izmantojot viltus profilus un zi\u0146ojumus.<\/p><p>Citi kr\u0101p\u0161anas veidi, pret kuriem jums j\u0101b<\/p><ul><li><b>Jums tiek l\u016bgts atkl\u0101t savu personisko inform\u0101ciju, personas apliec\u012bbas kodus, debetkartes vai kred\u012btkartes numurus, datora paroles.<\/b> Inform\u0101cija par j\u016bsu identit\u0101ti un parol\u0113m var tikt izmantota, lai piek\u013c\u016btu j\u016bsu datiem, akt\u012bviem un uzkr\u0101jumiem. Neuzglab\u0101jiet paroles sav\u0101 mak\u0101, uz datora piel\u012bm\u0113t\u0101 piez\u012bm\u012bt\u0113 vai uz bankas kartes.<\/li><li><b>J\u016bs zaud\u0113jat savus dokumentus.<\/b> J\u016bsu dokumenti un tajos eso\u0161\u0101 inform\u0101cija var tikt izmantota, lai atsavin\u0101tu j\u016bsu akt\u012bvus. T\u0101p\u0113c ir nepiecie\u0161ams nekav\u0113joties pazi\u0146ot par zaud\u0113tajiem dokumentiem to izdev\u0113jiem un tos anul\u0113t.<\/li><li><b>J\u016bs p\u0101rdodat, p\u0113rkat, nom\u0101jat vai iznom\u0101jat nekustamo vai kustamo \u012bpa\u0161umu<\/b> (dz\u012bvokli, m\u0101ju, automa\u0161\u012bnu utt.). Maz\u0101kas un \u0161\u0137ietami l\u0113tas uz\u0146\u0113m\u0113jsabiedr\u012bbas vai fiziskas personas var kalpot k\u0101 segums pieredz\u0113ju\u0161iem cilv\u0113kiem, kuri izmanto starpniekus, lai p\u0101rdotu j\u016bsu v\u0113rt\u012bgos akt\u012bvus tre\u0161ajai personai, kas tos p\u0113rk \u201elab\u0101 tic\u012bb\u0101\u201d, un atst\u0101j j\u016bs bez naudas vai \u012bpa\u0161uma.<\/li><li><b>Jums tiek l\u016bgts parakst\u012bt pilnvaru r\u012bkoties j\u016bsu v\u0101rd\u0101.<\/b> Nedodiet citai personai p\u0101r\u0101k pla\u0161as pilnvaras. Pilnvar\u0101 nedr\u012bkst b\u016bt iek\u013cautas ties\u012bbas dele\u0123\u0113t pilnvaras (\u0161\u0101d\u0101 gad\u012bjum\u0101 tre\u0161\u0101 persona, kuru j\u016bs nepaz\u012bstat vai neesat saticis, var s\u0101kt r\u012bkoties j\u016bsu v\u0101rd\u0101). \u0145emiet v\u0113r\u0101, ka visas saist\u012bbas, ko otra persona uz\u0146emas saska\u0146\u0101 ar j\u016bsu pilnvaru, k\u013c\u016bs par j\u016bsu atbild\u012bbu.<\/li><li><b>Jums tiek l\u016bgts iepriek\u0161 samaks\u0101t par pas\u016bt\u012bto\/ieg\u0101d\u0101to pre\u010du pieg\u0101di vai ieg\u0101di.<\/b> Kr\u0101pnieks pa\u0146ems j\u016bsu naudu un pazud\u012bs, neats\u016btot jums nek\u0101das preces.<\/li><li><b>J\u016bs aizdodat naudu.<\/b> Rakstisks l\u012bgums, kur\u0101 ir nor\u0101d\u012bta naudas p\u0101rskait\u012b\u0161ana, ir \u0101rk\u0101rt\u012bgi svar\u012bgs par\u0101da piedzi\u0146\u0101, pat ja j\u016bs dom\u0101jat, ka labi paz\u012bstat aiz\u0146\u0113m\u0113ju.<\/li><li><b>Jums pied\u0101v\u0101 labi apmaks\u0101tu darbu \u0101rzem\u0113s.<\/b> Daudzas \u0161\u0101das a\u0123ent\u016bras kalpo k\u0101 segums person\u0101m, kas iekas\u0113 komisijas maksu un paz\u016bd, vai ar\u012b kontraband\u0101 p\u0101rvad\u0101 prostit\u016btas, izmantojot aukl\u012btes vai apkop\u0113jas darbu k\u0101 segumu. Pied\u0101v\u0101tie darbi var b\u016bt ar\u012b nelikum\u012bgi.<\/li><\/ul><h2><b>Ko man dar\u012bt, ja dom\u0101ju, ka esmu k\u013cuvis par kr\u0101p\u0161anas upuri? K\u0101das ir manas ties\u012bbas un kur varu v\u0113rsties p\u0113c pal\u012bdz\u012bbas?<\/b><\/h2><p>Ja j\u016bs dom\u0101jat vai uzskat\u0101t, ka esat k\u013cuvis par kr\u0101p\u0161anas upuri, j\u016bsu pirm\u0101 kontaktpersona noteikti ir j\u016bsu banka, jo tikai t\u0101 var aptur\u0113t turpm\u0101kas darb\u012bbas un s\u0101kt atg\u016bt j\u016bsu naudu. Kr\u0101p\u0161anas nov\u0113r\u0161ana ietver j\u016bsu un j\u016bsu kontu aizsardz\u012bbu, piem\u0113ram, nekav\u0113joties sazinoties ar savu banku, ja j\u016bs uzskat\u0101t, ka esat k\u013cuvis par kr\u0101p\u0161anas upuri. Ja j\u016bs paman\u0101t kaut ko neparastu sav\u0101 kont\u0101 vai darb\u012bb\u0101, nekav\u0113joties sazinieties ar savu banku, izmantojot numuru, kas nor\u0101d\u012bts uz j\u016bsu kart<\/p><p>P\u0113c sazin\u0101\u0161an\u0101s ar banku noteikti iesniedziet policijai zi\u0146ojumu par noziegumu. Kr\u0101p\u0161ana ir nopietns noziegums, kas saska\u0146\u0101 ar Igaunijas likumiem ir sod\u0101ms. Ja jums izdev\u0101s izvair\u012bties no kr\u0101p\u0161anas, j\u016bs joproj\u0101m varat zi\u0146ot policijai par sav\u0101m aizdom\u0101m par kr\u0101p\u0161anu, izmantojot <a href=\"https:\/\/www-politsei-ee.translate.goog\/et\/juhend\/kaitse-ennast-kelmide-eest\/kuhu-poorduda?_x_tr_sl=et&amp;_x_tr_tl=en&amp;_x_tr_hl=et\" target=\"_blank\" rel=\"noopener\">kibernoziegumu zi\u0146o\u0161anas lapu<\/a>. Sa\u0146emt\u0101 inform\u0101cija tiek izmantota, lai atkl\u0101tu un nov\u0113rstu kibernoziegumus. J\u016bsu inform\u0101cija var pal\u012bdz\u0113t policijai lab\u0101k notvert kr\u0101pnieku, un j\u016bs varat pal\u012bdz\u0113t citiem cilv\u0113kiem izvair\u012bties no kr\u0101p\u0161anas.<\/p><p>Ja rodas \u0161aubas, j\u016bs vienm\u0113r varat sazin\u0101ties ar <a href=\"https:\/\/www.politsei.ee\/en\/web-constables\" target=\"_blank\" rel=\"noopener\">WEB policiju<\/a>, lai sa\u0146emtu padomu par to, k\u0101 r\u012bkoties t\u0101l\u0101k.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>M\u0113s visi atrodamies dz\u012bves d\u0101rdz\u012bbas kr\u012bzes un tie\u0161saistes kr\u0101p\u0161anas un mahin\u0101ciju uzplaukuma vid\u016b. \u0160eit ir galven\u0101s lamatas, par kur\u0101m \u0161obr\u012bd j\u0101zina, un k\u0101 sevi pasarg\u0101t.<\/p>\n","protected":false},"author":3,"featured_media":21588,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[76],"tags":[],"class_list":["post-22344","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-raksti"],"acf":[],"blog_post_layout_featured_media_urls":{"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud-150x150.png",150,150,true],"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud.png",2240,1260,false]},"categories_names":{"76":{"name":"Raksti","link":"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/raksti\/"}},"tags_names":[],"comments_number":"0","rttpg_featured_image_url":{"full":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud.png",2240,1260,false],"landscape":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud.png",2240,1260,false],"portraits":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud.png",2240,1260,false],"thumbnail":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud-150x150.png",150,150,true],"medium":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud-300x169.png",300,169,true],"large":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud-1024x576.png",800,450,true],"1536x1536":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud-1536x864.png",1536,864,true],"2048x2048":["https:\/\/staging.moneyhub.ee\/wp-content\/uploads\/2025\/03\/Online-fraud-2048x1152.png",2048,1152,true]},"rttpg_author":{"display_name":"David Bailey","author_link":"https:\/\/staging.moneyhub.ee\/lv\/author\/davidbailey\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/staging.moneyhub.ee\/lv\/category\/useful-info\/raksti\/\" rel=\"category tag\">Raksti<\/a>","rttpg_excerpt":"M\u0113s visi atrodamies dz\u012bves d\u0101rdz\u012bbas kr\u012bzes un tie\u0161saistes kr\u0101p\u0161anas un mahin\u0101ciju uzplaukuma vid\u016b. \u0160eit ir galven\u0101s lamatas, par kur\u0101m \u0161obr\u012bd j\u0101zina, un k\u0101 sevi pasarg\u0101t.","_links":{"self":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22344","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/comments?post=22344"}],"version-history":[{"count":4,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22344\/revisions"}],"predecessor-version":[{"id":22348,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/posts\/22344\/revisions\/22348"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/media\/21588"}],"wp:attachment":[{"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/media?parent=22344"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/categories?post=22344"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.moneyhub.ee\/lv\/wp-json\/wp\/v2\/tags?post=22344"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}